Friends Housing Counselors are experienced, trained professionals who can advise you on preventing foreclosure, buying a home, protecting your credit, and other issues.

Friends of the North Country, Inc.

is a HUD-Approved Housing Counseling Agency

with HUD-Certified Housing Counseling Staff




  • Pre- and post-purchase housing counseling


  • Home maintenance and budget planning


  • Mortgage default and foreclosure mitigation counseling

  • Home Equity Conversion Mortgages (HECM)


  • Obtaining 'Deferred Payment Loans" (grants) for home Improvement,  housing rehabilitation,and energy conservation, making necessary repairs that will make safe, sanitary, and more affordable housing units

Housing Counseling Services are free of charge. 

*Clients receiving Home Equity Conversion Mortgage Counseling

may be charged a small fee; based on affordability. 

Group or individual sessions are available, along with referral services to other agencies.

If you have a hearing impairment, disability or language barrier, please let us know so we can accommodate your needs.